GO2bank vs. Marcus by Goldman Sachs
GO2bank's High Yield Savings pays 4.50% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY.
Note: GO2bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $115 more than GO2bank annually ($340 vs $225).
Choose Marcus by Goldman Sachs if getting the best rate matters most, you want a no-strings-attached account, or BBB rating matters to you.
Important Considerations
GO2bank requires a checking account to unlock its top savings rate, while Marcus by Goldman Sachs offers its savings account standalone.
| Metric | GO2bankHigh Yield Savings Aug 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Aug 21, 2026 |
|---|---|---|
| APY | 4.50% | 3.40% |
Est. Earnings | $5,000+$225 $10,000+$225 $25,000+$225 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | A GO2bank checking account is required to open a savings account. The stated APY is up to $5,000. Balances above that earn no interest. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing GO2bank vs. Marcus by Goldman Sachs
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.40%) on balances up to $5,000 (requires checking bundle)
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 4.5)
Key Feature Differences
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $340 vs $225/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $850 vs $225/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $115 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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GO2bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $110 more with GO2bank than Marcus by Goldman Sachs on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
GO2bank
High Yield Savings
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $224 per year in interest.
Both GO2bank and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | GO2bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.50% Verified: 8/21/2026 - | 3.40% Verified: 8/21/2026 - |
| Product Name | High Yield Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Compound Frequency | Quarterly | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | F | A+ |
| Important Notes | A GO2bank checking account is required to open a savings account. The stated APY is up to $5,000. Balances above that earn no interest. | - |
| Next Steps | Visit SiteVerify at GO2bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | Marcus by Goldman Sachs |
|---|---|---|
| High Yield Savings | Marcus Online Savings Account | |
Current APY | 4.50% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -1.1 |
Days Since Change | 361 | 79 |
12-Month High | 4.50% | 3.65% |
12-Month Low | 4.50% | 3.40% |
Adjustments / Mo | 0.00 | 0.17 |
Volatility Score | 0.000 | 0.009 |
How to read these metrics(Click to expand)
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Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.00% | $0 |
| GO2bank vs American Express | 3.00% | $0 |
| GO2bank vs Axos Bank | 4.21% | $0 |
| GO2bank vs Barclays | 3.65% | $0 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 3.75% | $100 |
| GO2bank vs EverBank | 3.90% | $0 |
| GO2bank vs Newtek Bank | 4.20% | $100 |
| GO2bank vs Openbank | 3.80% | $500 |
| GO2bank vs Pibank | 4.10% | $0 |
| GO2bank vs SoFi Bank | 3.80% | $0 |
| GO2bank vs Synchrony Bank | 3.30% | $0 |
| GO2bank vs Varo Bank | 3.75% | $0 |
| GO2bank vs Wealthfront | 3.95% | $0 |